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HomeCredit ForumBudgeting your expenditures

Applying for New Credit Card?

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Mon Aug 04, 2008 9:09 pm  
I agree, I don't want another credit card, too much of a headache.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 891



2654 Magic Points
Subject: credit cards
 
 Posted on Mon Aug 04, 2008 9:14 pm  
Recently I've gotten ALOT of Pre-Approval offers, for CC's, in the mail. Theu sound great..until, you read the fine print. The % of these things are SOOO high, it will take a life time (seems like) to pay them off. i was in a situation like this before........NO MORE CC's for me.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Tue Aug 05, 2008 1:59 am  
I still get sick in my stomach about the ones we absolutely had to take out last year. It really aggravates me when over half the payment is interest. I can not wait to pay them off so I can call and say please cancel my account.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 891



2654 Magic Points
Subject: credit card
 
 Posted on Tue Aug 05, 2008 2:10 am  
I had an Imagine card. VERY HIGH % on it. I din't think it was as high as some people said. I would say more than half the payment I made, each month, was for the % only. That's crazy!! I think it did me NO favor, to my credit. It just got to the point that they were tacking on fee after fee, after fee.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Fri Aug 08, 2008 12:55 am  
Know the feeling. Seems like an endleaa cycle. I wish my atty would get off their rich butts and settle my case so I can pay these people before I have a stress attack.
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



8 Magic Points
 
 Posted on Mon Aug 25, 2008 12:13 pm  
How long has it been fireyone? Have they even started the negotiations? Have they given you any indication of how much or when it will all happen? I hope it is soon for you, but don't leave us, stay please. We would miss you if you got a big chunk of change and then deserted us! Wink
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Mon Aug 25, 2008 12:20 pm  
It has been by my figurement toooo lllooonngg. They just got my case report together at the end of week before last. Now the atty has to go over it, assign a value and put it in the mail. I know that makes it seem close but I no better than to wish. I think if I didn't call and keep on thier but they would leave me with nothing leftover after med.
It was just accumulating at an extremely fast rate and they still were not moving. Remember I have all the co pays and 20% to pay out of MY pocket until this settles. Do you know how many med bills I pay on each Fn month??????And if they would just settle our ins. com. will then cover at 100% ...No idea how much because they haven't assigned a value and do you know they had the nerve top say they would mail me a letter when they got that all figured out...What happened to the telephone???
Also they have no way of kn owing what coverage she had so I love waiting. Just my lsot wages are over $3000. how annoying all this is when you can barely make ends meet and lose sleep over it.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Sat Sep 06, 2008 9:28 pm  
Hopefully you will know something in a month or two or sooner. I am hoping you get it before your intrest is tacked onto your card. goodluck hope it gets here soon.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Sun Sep 07, 2008 1:10 am  
I know this is making me really sick in my stomach. It is November that the interest is tacked on and we haven't got much paid down. It will probaly be at least a thousand in back interest which will put it over the credit limit....I keep thinking here we go again. I am going to give it until mid October and go to the bank. I just can not see how we are going to make another payment, especially one on $5700...I can only imagine what it will be a month.
 
jtrenton



Joined: 12 Sep 2008
jtrenton's page
Posts: 16



254 Magic Points
 
 Posted on Mon Sep 15, 2008 7:34 pm  
You can rebuild your credit by gettinga secured credit card.
_________________
I'm on a roll...
 
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 295



6 Magic Points
 
 Posted on Tue Sep 16, 2008 1:58 am  
Yes, that's true. But right now, I just want to get rid of all of them and not have to think about credit cards or loans.
_________________
HOW I MAKE EXTRA MONEY EACH MONTH

And It's Absolutely Free!!! Click Above to Find Out How!!
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 321



8636 Magic Points
 
 Posted on Tue Sep 16, 2008 11:31 am  
Hi Lorri
If your credit cards are old and if you have a good repayment history with these cards, then I think that you should not close these cards since 35% of your credit score depends upon your payment history. However, you can close them if you think that the annual fees are high and you are not in a position to pay it. But if the cards come with zero annual fees, I would suggest you not to close them. All that you can do is not to use these cards for making payments.
_________________
Where there's a will, there's a way !!
 
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 295



6 Magic Points
 
 Posted on Wed Sep 17, 2008 4:31 am  
Thats true----right now, I am just trying to keep up witht the payments.
_________________
HOW I MAKE EXTRA MONEY EACH MONTH

And It's Absolutely Free!!! Click Above to Find Out How!!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2843



1589 Magic Points
 
 Posted on Sun Sep 21, 2008 1:08 am  
hat is about where I am too Lorri. I can not even get anything paid down, just making payments barely over the min. It has been an awful past couple years. The accident, then moving , job loss due to arm and economy...wow I think I just got 5 more gray hairs talking about it.
 
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